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tools they say also inv need for better definitions & examples of what constitutes investment KIK doesn't use flat rate - masyarakat prefer to cabang - masyarakat here understands is in usaha takes money to mengurusi invest KOP sampai 18,537 Aug. orang - outstanding 200,907 all KUP in Jogjak. why 8 957 lain 2 (jasa, angkutan) they don't know what kind of investments popular Jogja 12% of all loans in industry in some UDs simpanan exceeds KUP, but regionally